Endorsement in Bike Insurance Policy

If you have been issued a bike insurance policy with incorrect details, your insurer may reject your claim request. However, such mistakes in your insurance policy can be rectified through the process of endorsements. Read on to know more about endorsements in a two-wheeler insurance policy.

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What is Endorsement in a Bike Insurance Policy?

The endorsement in a bike insurance policy means making changes in details or information in the policy documents. When you buy an insurance policy from the insurer, your insurer will ask for some specific details, such as personal information, vehicle details, passenger details, etc. Sometimes, these details can be incorrect or wrong.

As a policyholder, if you want to make changes or rectify these errors, you have to go through the process of endorsement. In the endorsement, the insurer will cancel your previous policy and issue a new one which includes necessary changes. Or else the insurer will offer an extended letter that includes all the modifications with your original bike insurance policy.

Hence, an endorsement is an agreement between the policyholder and insurance provider to rectify errors in the policy copy as per the terms & conditions.

Types of Bike Insurance Endorsements

For a successful endorsement, a policyholder needs to submit written evidence or mandatory documents to the insurer. Have a look at different types of endorsements in a bike insurance policy-

Serial No. Name of Endorsement Documents Required
1. Addition of Bi-fuel RC copy (front + back)
2. Add-on Cover RC copy (front + back)/Invoice copy in case of a new two-wheeler
3. Change in Add-on Cover RC copy (front + back)/Invoice copy in case of a new two-wheeler
4. NCB Certificate PYP (Previous Year Policy) + NCB declaration from the previous insurer + Sell Letter
5. Changes in PYP (Previous Year Policy) NA
6. Communication Address Written consent + Aadhar card/Passport/DL
7. Insured Name + DOB Copy of the RC (front + back) + Previous Year Policy
8. Email Address Written consent
9. Contact No. Written consent
10. Nominee Details Name + DOB + Relation with a written consent
11. Salutation Written consent + Aadhar card/Passport/DL
12. Registration Number Copy of the RC (front + back)
13. Date of Manufacturing Copy of the RC (front + back)
14. Chassis No. Copy of the RC (front + back)
15. Engine No. Copy of the RC (front + back)
16. Change in IDV Copy of the RC (front + back) + Previous Year Policy
17. Model & Variant of the Bike Copy of the RC (front + back)
18. Color Change Copy of the RC (front + back)
19. Hypothecation Addition Copy of the RC (front + back) + Declaration Letter from Bank
20. Hypothecation Remove NOC from the Bank against the loan

Endorsement Validity in Bike Insurance

You can apply for endorsement before the renewal and also during the policy term. If we talk about bike insurance endorsement validity, it depends upon the terms & conditions of the insurer and the type of endorsement. Therefore, you must read the policy documents before the insurer approves your request and rectify those errors.

Does Endorsement Affect Your Bike Insurance Premium?

If you have upgraded your two-wheeler by installing an anti-theft device or enhancing its engine capacity, it will certainly increase the IDV and premium as well.

If you make any changes in your vehicle in the middle of the policy tenure, it is necessary to initiate the endorsement. However, it might increase or decrease the premium. In case you choose not to inform the insurer about the modifications, the insurer might refuse the claim request due to a lack of transparency.

How Many Times Can You Do Endorsements in Your Bike Insurance Policy?

As a policyholder, you might wonder how many times you can make a change in your policy documents. Again, it depends upon the insurer's terms & conditions. In general, you can make edits to your bike insurance policy once or twice annually.

If you believe that you can make multiple endorsements during the policy tenure, then it is not possible. Making frequent changes creates confusion while updating the records. Further, it will impact adversely at the time of claim settlement.

Final Words

As a policyholder, if you have bought a policy from Policybazaar.com, you can request the endorsements by connecting with our customer care team at 1800-258-5970 and submitting the supporting document. However, the team will only accept the change after verifying the reason and supporting documents.


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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